Hard money loans
Hard money loans for investment property — fast, asset-based, no tax returns.
Short-term financing underwritten on the property and your track record, not your W-2. Fix and flip, bridge, ground-up construction and multifamily bridge, $115k to $8M, typically closing in 7–15 days. Send it once and we place it with the lending partner whose credit box it fits.
Hard money programs we place
| Program | Max leverage | Min FICO | Loan size | Term | Close |
|---|---|---|---|---|---|
| Fix & flip | 90% LTC · 75% ARV | 620 | $115k–$8M | 12–18 mo | 7–15 days |
| Bridge | 75% LTV | 620 | $115k–$8M | 12–18 mo | 7–15 days |
| Ground-up construction | 80% LTC · 65% ARV | 650 | $300k–$8M | 12–24 mo | 7–15 days |
| Multifamily & mixed-use bridge | 75% LTC · 65% ARV | 670 | $300k–$8M | 12–18 mo | 2–4 weeks |
What a hard money loan is
Short-term debt secured by investment real estate and sized mainly on the property — its purchase price, renovation budget and after-repair value — plus your experience. Credit matters, but there is no debt-to-income calculation and no tax returns.
You pay for speed and flexibility with a higher rate than long-term debt, so the plan is always to exit: sell the property, or refinance into a DSCR rental loan.
Your experience sets the tier
Lenders price on recent, documented deals. Three or more completed in the last 36 months unlocks the best terms. First-time investors are financed too — up to 80% of cost on a flip with a 650 credit score.
Every hard money loan we place
- Business purpose, made to an LLC
- Non-owner-occupied investment property
- Full appraisal required
- No rural properties; lot up to 2 acres
- SFR, 2–4 unit, condo, townhome, 5+ multifamily and mixed-use
- No upfront fees from us, ever
Hard money loan questions
How fast can a hard money loan close?
Typically 7 to 15 days from a complete file for 1–4 unit property, and 2 to 4 weeks for multifamily.
What credit score do I need for a hard money loan?
620 for experienced investors on fix and flip and bridge loans, 650 for new investors and ground-up construction, and 670 for multifamily bridge.
Are you a hard money lender?
No. Easy Lending USA is a referral platform. We match your deal to the private lending partner whose credit box it fits and take it to them with a complete file. We are paid by the lender when the loan closes; you never pay us an upfront fee.
Can I get a hard money loan on my home?
No. We only place business-purpose loans on non-owner-occupied investment property.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We introduce real estate investors to independent private lenders, who make every credit decision.